Insurance in Pennsylvania

Compare auto, home, and life insurance rates in Pennsylvania from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Pennsylvania

🚗 Auto Insurance in Pennsylvania› 🏠 Home Insurance in Pennsylvania› 💚 Life Insurance in Pennsylvania›

Auto Insurance Rates in Pennsylvania (2026)

Pennsylvania uses an at-fault/tort insurance system and requires Personal Injury Protection (PIP). The state mandates minimum liability coverage of 15/30/5. The average full coverage premium is $183/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$834	$139/mo
Erie Insurance	$876	$146/mo
Progressive	$936	$156/mo
State Farm	$1,026	$171/mo
Allstate	$1,248	$208/mo

→ Full Pennsylvania auto insurance guide with city rates

Pennsylvania Insurance at a Glance

$183

Avg. Monthly (Auto)

$139

Cheapest Auto Rate

15/30/5

Min. Liability Limits

Uninsured Drivers

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Popular Auto Insurance Topics in Pennsylvania

Auto Insurance by City in Pennsylvania

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Philadelphia› 📍 Pittsburgh› 📍 Allentown› 📍 Reading› 📍 Erie› 📍 Scranton› 📍 Bethlehem› 📍 Lancaster› 📍 Levittown› 📍 Harrisburg› 📍 York› 📍 Wilkes-Barre› 📍 Altoona› 📍 State College› 📍 Norristown› 📍 Bethel Park› 📍 Chester› 📍 Hazleton› 📍 Drexel Hill› 📍 Monroeville› 📍 Easton› 📍 Williamsport› 📍 Plum› 📍 Lebanon› 📍 King of Prussia› 📍 Pottstown› 📍 New Castle› 📍 Chambersburg› 📍 Allison Park› 📍 Baldwin› 🗺️ View All 84 Cities›

Pennsylvania Insurance FAQ

What insurance do I need in Pennsylvania?

At minimum, Pennsylvania requires liability auto insurance with limits of 15/30/5. Most Pennsylvania residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Pennsylvania?

For auto insurance, GEICO offers the cheapest full coverage at $139/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Pennsylvania?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Pennsylvania Insurance Department — official state insurance regulator for Pennsylvania.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
PennDOT — Pennsylvania vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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